Henan bank bad Zhang is much, hainan bank does not have money; Wild Tibet of approach of Ji Yulu bank is undesirable, courage of Ji Luxiang bank falls greatly batch of equipment.
This is this year newest the statistical sign that gives heat the 1st announcement, namely major policy measure ascertained state of the fourth quarter 2018 the circumstance dogs audit result. This report brushs screen one piece for an instant.
Audit arrange call-overed the partial finance orgnaization of an area, point out they are put in bad loan to lead tall, dial equipment to enclothe lead low, capital amply low, mask bad assets 4 big random elephants. Among them, classics audit arrange is examined, henan is individual bad loan rate exceeds the bank 40% , make a person shocking.
"Be stationed in two weeks, turned over a De Chaotian "
"We were selectived examination, audit arrange is stationed in full two weeks. Our leader often is made reflect a condition. Of their careful very detailed, include gold of partner, capital, tear apart the asset that come to make over at that time, advocate 8 expenses of all sorts of business Wu, contracts, cost of sales, administration, regulations, all sorts of turning over a De Chaotian. " a share travel personage of the field that be stationed in by audit arrange tells certificate business China the reporter.
The reporter understands, not be every bank is met the field that be stationed in by audit arrange, this is belonged to selective examination make, appear on the market in the bank, allow course of study, a surname hair, hand in row " in action " ; And audit arrange not just audit bank itself, return joint hearing plan its main subsidiary, for instance fund subsidiary.
The result that audit arrange issues makes a person shake, ordinal will read 4 big random elephants:
One, Henan saves individual bank fraction defective to exceed 40% .
Up to by 2018, the fraction defective of loan of 42 commercial banks such as commercial bank of country of Henan dredge county exceeds 5% cordon, exceed 20% among them have 12, fraction defective of loan of individual commercial bank exceeds 40% .
In fact, two of congeneric Henan book appear on the market row, its fraction defective is in appear on the market to be in higher level all right. Zhengzhou bank up to the fraction defective of end was as high as 2.47% last year, in A appear on the market the bank is in highest; Central Plains bank rises from 1.83% violent wind to 2.44% , all prep above up to 2018 the average fraction defective of commercial firm of city of end whole nation 1.79% .
In addition, still have on the high side of fraction defective of a few areas: The fraction defective of end was Heilongjiang, Jilin, Shanxi respectively 2018 3.24% , 4.28% , 3.04% .
2, Hainan is provincial 7 into farming add up to an orgnaization to enrich the blood urgently.
Audit arrange points out, up to by 2018, the 14 domestic farming such as company of couplet of collaboration of credence of country of big talk city combine orgnaization sth used to one's own advantage enough rate did not achieve the lowest of 10.5% to superintend a requirement, occupy Hainan province farming closes orgnaization amount proportion for 73.68% .
Newest superintendency requirement is: Systematization is important one class capital leads bank core amply, enough rate and capital lead one class capital amply should achieve respectively 8.5% , 9.5% with 11.5% , core of bank of blame system value capital of enough rate, one class leads one class capital with capital amply amply respectively not under 7.5% , 8.5% with 10.5% .
3, bank of 4 provinces part dials Ji Luxiang laurel to be enclothed fully rate is low.
Audit arrange points out, up to by 2018, the 9 countries commercial bank that Jilin saves rural credit agency to combine the administer below the company and cooperation of 14 countries credence, Shandong is provincial agency of credit of country of orgnaization of 78 banking finance, Hunan Province combines a company to issue administer company of couplet of collaboration of credence of country of urban district of Nanning of agency of travel of person of 16 domestic discipline exercised by the head of a feudal household, Guangxi Zhuang Autonomous Region.
Newest superintendency requirement is: Dial equipment to enclothe rate beard to achieve 120% to 150% interval, loan dials equipment rate to be 1.5% to 2.5% interval.
4, Tibet of Heibei Henan Shandong is undesirable.
Audit arrange points out, came 2016 2018, the 23 finance orgnaization such as commercial bank of rural commercial bank, Shandong Teng Zhou country is sought to be borrowed through closing in order to borrow in Heibei bank, Henan, transfer undesirable asset completely filthily, disobey 5 class to classify the means such as the regulation to mask bad assets, involve amount 7.202 billion yuan.
Appear on the market an undesirable Zhang this: 12 fraction defective carry litre, 8 dial equipment to drop
Reporter statistic appear on the market 24 times when had published annual report bank (contain H) discovery of bank annual report, the bad 2018 loan that has 12 banks is led relatively carried 2017 litre; 4 banks are in the agricultural bank, riverside hair bank, bank that enrol business and Qingdao bank bad loan remaining sum and fraction defective implementation " double fall " .
In respect of bad loan remaining sum, the summation of 6 bad loan remaining sum of big state-owned travel make an appointment with nine hundred and two billion three hundred and eight million yuan, take 24 banks that had shown 70.925% of bad loan. Industrial and commercial bank is bad loan amount is the largest, it is two hundred and thirty-five billion and eighty-four million yuan, relatively the corresponding period increased forteen billion and ninety-six million yuan last year, the bad loan remaining sum of the Construction Bank and Agriculture Bank ranks the 2nd with pass an imperial examination 3.
Before fraction defective lowest 3 v/arc a person's status are not peaceful wave bank, mail store bank of bank, merchant of short for Zhejiang Province, it is respectively 0.78% , 0.86% , 1.2% . Bad loan leads peaceful wave bank to all came true 3 years to fall repeatedly to 2018 2016; Bank of merchant of short for Zhejiang Province the fraction defective 2018 1.2% relatively 2017 1.15% lift somewhat, nevertheless whole is in an industry low.
In the bank that rises compared to the same period in 12 fraction defective, have 1 the home is state-owned big, mail store bank; 4 stock go, it is medium respectively bank of bank of letter bank, the people's livelihood, restful bank, merchant of short for Zhejiang Province; It is 7 cities commercial firm next, it is Tianjin bank, Gansu Province bank, Zhengzhou bank, Central Plains bank, Jiangxi bank, Chongqing bank and Changsha bank respectively.
The fraction defective that besides what because superintend requirement general exceed the time limit 90 days,above loan brings into bad loan entirely the reason created partial bank increases outside, the reason with the tall fraction defective of Tianjin bank and Jiangxi bank follows located the area has immediate concern.
Show Heibei province, Tianjin, Shandong saves bad loan remaining sum and fraction defective in Tianjin bank annual report highest, among them fraction defective is respectively 6.29% , 1.13% and 2.8% .
Jiangxi bank regards Jiangxi as native land bank, bad loan basically saves in Jiangxi centrally. Data shows, of Jiangxi Nanchang area fraction defective was 2018 2.64% , increase compared to the same period 0.17% . It is Jiangxi next provincial (remove Nanchang zone) , fraction defective is 1.29% , increase compared to the same period 0.34% .
Zhengzhou bank expresses, of fraction defective because suffer area environment to restrict,lifting basically is, credit system is diseased wait for an element to affect; Central Plains bank says, of this guest that give a letter is given priority to with medium and small businesses, be affected by economic pressure, management affliction reimbursement ability is so abate.
Will integratedly look, of 24 afore-mentioned banks undesirable and main concentration is mixed in manufacturing industry, accommodation meal course of study, wholesale and retail trade and and farming, forest, herd, fishery 4 large trades.
Be worth what carry is, great majority appeared on the market to increased a risk to resist last year all right, will dial equipment to enclothe the attune on rate, but batch of equipment of 8 banks go against however situation reduce, they are medium respectively business of letter, the people's livelihood, short for Zhejiang Province, Gansu Province, Zhengzhou, Central Plains, Jiangxi, violet gold farming commercial firm.
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